If saving money is your primary concern, then the best way to find cheaper Dodge Journey insurance in Scottsdale is to make a habit of regularly comparing prices from providers who provide car insurance in Arizona.
- Spend some time learning about the coverage provided by your policy and the factors you can control to keep rates in check. Many rating criteria that drive up the price such as speeding tickets, accidents and bad credit can be amended by making small lifestyle or driving habit changes. Keep reading for information to help prevent costly coverage and get bigger discounts.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can quote prices from many different companies.
- Compare the new quotes to your existing coverage to see if a cheaper rate is available in Scottsdale. If you find a better price and change companies, make sure coverage does not lapse between policies.
- Provide notification to your current agent or company of your decision to cancel your current auto insurance policy and submit payment and a signed application for the new policy. As soon as coverage is bound, keep the new certificate of insurance in an easily accessible location in your vehicle.
The key thing to know about shopping around is to use the same liability limits and deductibles on each quote and and to look at all possible companies. This enables an apples-to-apples comparison and the best price selection.
It goes without saying that insurance companies want to keep you from shopping around. Consumers who shop around for a cheaper policy are very likely to switch insurance companies because there is a significant possibility of finding coverage at a more affordable price. A recent insurance study discovered that people who regularly compared rates saved over $3,500 over four years as compared to drivers who never shopped around.
If finding the best rates on auto insurance in Scottsdale is your objective, then having a good understanding how to choose a company and compare insurance premiums can make shopping around easier.
Getting a cheaper price on insurance is a fairly straight forward process. All you need to do is take a couple of minutes comparing rates from online providers.
The following companies have been selected to offer free rate quotes in Arizona. In order to find cheap car insurance in Arizona, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Choosing Journey insurance is an important decision
Despite the potentially high cost of Dodge Journey insurance, car insurance may be required for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a lienholder, more than likely the lender will force you to carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Dodge at a more expensive rate and force you to pay the higher price.
Third, insurance protects your car and your assets. It will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, especially with large liability claims. According to a recent study, the average American driver overpays more than $865 each year so shop around at every policy renewal to save money.
Insurance rate breakdown
The coverage information shown below highlights estimates of prices for Dodge Journey models. Having a better idea how policy premiums are formulated can help you make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $140 | $232 | $362 | $22 | $108 | $864 | $72 |
| Journey SXT 2WD | $140 | $282 | $362 | $22 | $108 | $914 | $76 |
| Journey R/T 2WD | $158 | $282 | $362 | $22 | $108 | $932 | $78 |
| Journey SXT Crew 2WD | $158 | $282 | $362 | $22 | $108 | $932 | $78 |
| Journey SXT AWD | $158 | $282 | $362 | $22 | $108 | $932 | $78 |
| Journey R/T AWD | $158 | $332 | $362 | $22 | $108 | $982 | $82 |
| Journey SXT Crew AWD | $158 | $332 | $362 | $22 | $108 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can decrease or increase insurance rates greatly.
Raise deductibles and save
One of the more difficult decisions when buying auto insurance is what deductibles to buy. The premium rates below highlight the costs and benefits between high and low comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Journey SXT 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Journey R/T 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Journey SXT Crew 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Journey SXT AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Journey R/T AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Journey SXT Crew AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Journey SE 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Journey SXT 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Journey R/T 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Journey SXT Crew 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Journey SXT AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Journey R/T AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Journey SXT Crew AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in your specific Scottsdale location which can decrease or increase coverage prices greatly.
We can derive from the above data that using a $250 deductible will cost you about $12 more each month or $144 a year across all Dodge Journey models than requesting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claim filings, you would save money if you opt for a higher deductible.
Cost comparison with and without full coverage
The chart below shows the comparison of Dodge Journey premium costs with liability coverage only compared to full coverage. The data is based on no accidents or driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no specific rule to drop full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Dodge Journey replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying over $700 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some scenarios where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.
Car insurance rates and discounts
The cost of insuring your cars can be expensive, but you might already qualify for some discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few must be requested specifically before you get the savings. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.
- Passive Restraints – Options like air bags or automatic seat belts may get savings of 20% or more.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Scottsdale car insurance quote.
- Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
- Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.
- Active Military Service – Being deployed in the military could qualify you for better car insurance rates.
- Online Discount – A few larger online companies give back up to $50 for signing up on the web.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.
The example below shows the difference between Dodge Journey insurance prices with and without discounts applied to the premium. The data is based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, multi-policy, and safe-driver discounts applied.
Some of the insurance companies that may include some of the discounts shown above are:
If you are trying to find low cost Scottsdale car insurance quotes, ask each insurance company which discounts you qualify for. Savings may not be offered in your area. To view providers offering car insurance discounts in Scottsdale, click this link.
Insurance agents near you
A lot of people would prefer to buy from a licensed agent and we recommend doing that Good insurance agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of getting online price quotes is that you can find cheap insurance rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in Scottsdale who will give you bids to get your business. There is no reason to contact any agents as quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from one company in particular, don’t hesitate to search and find their rate quote page and complete a quote there.
Deciding on an provider is decision based upon more than just a cheap price quote. Agents should be asked these questions:
- Can you get a list of referrals?
- Is their price quote a firm figure or are their hidden costs?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are claims handled at the agent’s location?
- How long has their agency been in business in Scottsdale?
- Do they write coverage based solely on cost?
Independent or Exclusive: It’s your choice
When searching for a reliable agent, you need to know there are two types of agencies and how they can service your needs differently. Agents can be described as either exclusive or independent. Both insure your vehicles properly, but we need to point out the difference between them since it can affect the kind of agent you use.
Exclusive Insurance Agents
Agents of this type normally can only provide a single company’s rates and examples are American Family, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so they really need to provide good service. Exclusive agencies receive extensive training on their company’s products which can be an advantage. Consumers frequently buy insurance from these agents mainly due to high brand loyalty rather than low price.
The following is a short list of exclusive agencies in Scottsdale that can give you rate quotes.
- Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3 – Scottsdale, AZ 85254 – (602) 996-8811 – View Map - Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 – View Map - State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map
Independent Insurance Agents
Independent agencies do not work for one specific company and that gives them the ability to insure amongst many companies and find the cheapest insurance rates. To move your coverage to a new company, your agent can switch companies and the insured can keep the same agent. If you are trying to find cheaper rates, you will definitely want to compare quotes from several independent agencies to maximize your price options. Most have the option of insuring with companies that do not advertise much which can be an advantage.
Listed below are Scottsdale independent agents willing to provide price quote information.
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map - Palomino Insurance Agency
8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map
Upon getting reasonable responses for all questions you ask and locked in a price quote, you may have found an auto insurance agent that will properly insure your vehicles. But keep in mind policyholders can cancel your coverage at any time so don’t think you are locked into any specific agency with no way to switch.
More effort can pay off
When you buy Scottsdale car insurance online, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured cut liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, not issuing a premium refund or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
Cost effective Dodge Journey insurance can be bought on the web in addition to many Scottsdale insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies don’t offer price quotes online and usually these smaller providers provide coverage only through local independent agents.
To learn more, take a look at the resources below:
- Anti-Lock Brake FAQ (iihs.org)
- How Much are Auto Insurance Quotes for Used Cars in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Dodge Ram in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for Seniors in Scottsdale? (FAQ)
- Who Has Affordable Car Insurance for Drivers with Accidents in Scottsdale? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Smart Auto Insurance Tips (Insurance Information Institute)